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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,811 | $52,306+52.6% | $69,779+14.4% | $62,881+26.9% |
| Participation rate | 39.2% | 67.2%-28.0pp | 71.8%-32.6pp | 69.3%-30.1pp |
| Annual return | 6.41% | 13.35%-6.9pp | 12.99%-6.6pp | 20.14%-13.7pp |
| Employer contribution / active EE | $198 | $1,799-89.0% | $2,338-91.5% | $2,281-91.3% |
| Participant deferral / active EE | $1,118 | $2,395-53.3% | $2,931-61.9% | $3,203-65.1% |
| Admin fee / account holder | $11,759 | $3,691+218.6% | $4,381+168.4% | $4,296+173.7% |